BlastPoint's Banking Scorecard
Gateway Commercial Bank
Mesa, AZ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in AZ.
- Deposits +6.2% year over year ($190.7M on the books).
- Delinquency rate 1.26%.
- Return on assets 1.44%.
- Efficiency ratio 48.98% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.54% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Gateway Commercial Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.12% above tier average
- + Efficiency Ratio 15.50% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
- - Net Interest Margin 0.21% below tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$231.4M
+8.9% YoY
-6.2% QoQ
|
-$155.2M |
$386.6M
+1.2% YoY
|
$17.4B
+6.1% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$149.8M
+6.6% YoY
-0.2% QoQ
|
-$108.6M |
$258.3M
+1.7% YoY
|
$9.3B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$190.7M
+6.2% YoY
-6.9% QoQ
|
-$136.0M |
$326.7M
+0.7% YoY
|
$14.8B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
1.44%
+15.6% YoY
-2.4% QoQ
|
+0.12% |
1.32%
+10.8% YoY
|
0.35%
+477.8% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
3.78%
+5.5% YoY
+0.4% QoQ
|
-0.21% |
3.99%
+5.0% YoY
|
3.96%
+2.3% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
48.98%
-3.6% YoY
+8.1% QoQ
|
-15.50% |
64.48%
-3.2% YoY
|
81.56%
-13.3% YoY
|
70.05%
+2.5% YoY
|
Top 14.8% in tier |
| Delinquency Rate ? |
1.26%
-0.3% QoQ
|
+0.34% |
0.92%
+15.7% YoY
|
1.46%
+76.6% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
78.54%
+0.5% YoY
+7.2% QoQ
|
+0.59% |
77.95%
+1.0% YoY
|
84.92%
+5.8% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
30.30%
+2.2% YoY
+6.3% QoQ
|
+8.27% |
22.03%
-0.6% YoY
|
24.29%
+4.4% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.82%
+6.0% QoQ
|
+0.15% |
0.67%
+16.4% YoY
|
1.10%
+71.6% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
12.00%
-8.4% YoY
+4.1% QoQ
|
-3.91% |
15.91%
+1.4% YoY
|
14.82%
-13.7% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.07%
+7.0% YoY
+106.5% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.29%
-0.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.3%
+0.7pp YoY +1.8pp QoQ |
+8.2pp | 22.1% | 24.3% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.5%
-2.2pp YoY 0.0pp QoQ |
+13.0pp | 11.6% | 20.4% | 12.5% | 93% |
| CRE |
65.3%
+2.6pp YoY +1.1pp QoQ |
+25.7pp | 39.5% | 53.9% | 41.4% | 90% |
| 1-4 Family |
11.6%
-0.2pp YoY -1.2pp QoQ |
-21.1pp | 32.6% | 22.4% | 31.3% | 13% |
| Consumer |
0.2%
+0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 11.3% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
12.0%
-1.1pp YoY +0.5pp QoQ |
-0.2pp | 12.2% | 11.4% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
+2 (+12.5%) YoY +1 (+5.9%) QoQ |
-41 | 58 | 1,366 | 482 | 8% |
| Assets per Employee ($) |
$12.9M
-3.2% YoY -11.4% QoQ |
+$5.3M | $7.5M | $9.6M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 1.2% | 0.4% | n/a |
| Nonaccrual |
1.3%
0.0pp QoQ |
+0.3pp | 0.9% | 1.5% | 1.0% | 77% |
| Allowance Coverage |
1.08x
+1.8% QoQ |
-23.07x | 24.15x | 2.94x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.6% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.6%
+1.8pp YoY -0.7pp QoQ |
+1.4pp | 12.2% | 4.1% | 11.6% | 59% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY +0.1pp QoQ |
+0.2pp | 1.7% | 1.9% | 1.7% | 63% |
| Net Income ($, YTD) |
$1.7M
+28.4% YoY — QoQ |
-$858K | $2.6M | $88.2M | $40.4M | 46% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.